{"id":122461,"date":"2025-01-06T07:30:09","date_gmt":"2025-01-06T07:30:09","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/"},"modified":"2025-01-06T07:30:09","modified_gmt":"2025-01-06T07:30:09","slug":"can-you-refi-a-rental-property-with-harp","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/","title":{"rendered":"Can you refi a rental property with HARP?"},"content":{"rendered":"<p>The Home Affordable Refinance Program (HARP) was created in 2009 to help struggling homeowners refinance their mortgages. However, some people may wonder if they can use HARP to refinance a rental property. The short answer is no, HARP is specifically designed for primary residences and does not apply to rental properties. <\/p>\n<p>While HARP may not be an option for rental properties, there are other refinancing programs available to investors that may help lower their mortgage payments and improve their cash flow. It&#8217;s essential to explore different options and speak with a knowledgeable mortgage lender to determine the best course of action for refinancing a rental property.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#FAQs_about_refinancing_rental_properties\" title=\"FAQs about refinancing rental properties\">FAQs about refinancing rental properties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#1_Can_I_refinance_a_rental_property_with_a_traditional_mortgage\" title=\"1. Can I refinance a rental property with a traditional mortgage?\">1. Can I refinance a rental property with a traditional mortgage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#2_Are_the_requirements_for_refinancing_a_rental_property_different_from_a_primary_residence\" title=\"2. Are the requirements for refinancing a rental property different from a primary residence?\">2. Are the requirements for refinancing a rental property different from a primary residence?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#3_Can_I_use_rental_income_to_qualify_for_a_refinance_on_a_rental_property\" title=\"3. Can I use rental income to qualify for a refinance on a rental property?\">3. Can I use rental income to qualify for a refinance on a rental property?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#4_Should_I_refinance_my_rental_property_to_take_advantage_of_lower_interest_rates\" title=\"4. Should I refinance my rental property to take advantage of lower interest rates?\">4. Should I refinance my rental property to take advantage of lower interest rates?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#5_Can_I_refinance_a_rental_property_if_I_have_bad_credit\" title=\"5. Can I refinance a rental property if I have bad credit?\">5. Can I refinance a rental property if I have bad credit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#6_Is_it_possible_to_cash_out_refinance_a_rental_property\" title=\"6. Is it possible to cash out refinance a rental property?\">6. Is it possible to cash out refinance a rental property?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#7_Can_I_refinance_multiple_rental_properties_at_once\" title=\"7. Can I refinance multiple rental properties at once?\">7. Can I refinance multiple rental properties at once?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#8_Are_there_government_programs_similar_to_HARP_for_rental_properties\" title=\"8. Are there government programs similar to HARP for rental properties?\">8. Are there government programs similar to HARP for rental properties?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#9_Can_I_refinance_a_rental_property_if_it_is_underwater\" title=\"9. Can I refinance a rental property if it is underwater?\">9. Can I refinance a rental property if it is underwater?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#10_What_documents_do_I_need_to_refinance_a_rental_property\" title=\"10. What documents do I need to refinance a rental property?\">10. What documents do I need to refinance a rental property?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#11_Can_I_refinance_a_rental_property_if_it_is_currently_vacant\" title=\"11. Can I refinance a rental property if it is currently vacant?\">11. Can I refinance a rental property if it is currently vacant?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#12_Is_it_worth_refinancing_a_rental_property_if_I_plan_to_sell_it_soon\" title=\"12. Is it worth refinancing a rental property if I plan to sell it soon?\">12. Is it worth refinancing a rental property if I plan to sell it soon?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_refinancing_rental_properties\"><\/span>FAQs about refinancing rental properties<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_refinance_a_rental_property_with_a_traditional_mortgage\"><\/span>1. Can I refinance a rental property with a traditional mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can refinance a rental property with a traditional mortgage. Lenders typically offer investment property loans with varying terms and conditions.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Are_the_requirements_for_refinancing_a_rental_property_different_from_a_primary_residence\"><\/span>2. Are the requirements for refinancing a rental property different from a primary residence?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the requirements for refinancing a rental property are generally stricter than those for a primary residence. Lenders may require a higher credit score, lower loan-to-value ratio, and proof of rental income.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_I_use_rental_income_to_qualify_for_a_refinance_on_a_rental_property\"><\/span>3. Can I use rental income to qualify for a refinance on a rental property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, lenders may consider rental income when qualifying you for a refinance on a rental property. They will likely require documentation of rental agreements and income.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Should_I_refinance_my_rental_property_to_take_advantage_of_lower_interest_rates\"><\/span>4. Should I refinance my rental property to take advantage of lower interest rates?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRefinancing a rental property to lower interest rates can help save money in the long run. It&#8217;s important to consider closing costs, fees, and the time it will take to recoup the costs before making a decision.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_refinance_a_rental_property_if_I_have_bad_credit\"><\/span>5. Can I refinance a rental property if I have bad credit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIt may be challenging to refinance a rental property with bad credit, as lenders typically have stricter credit score requirements for investment properties. Working on improving your credit score before applying for a refinance could increase your chances of approval.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Is_it_possible_to_cash_out_refinance_a_rental_property\"><\/span>6. Is it possible to cash out refinance a rental property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, it is possible to cash out refinance a rental property to access the equity built up in the property. This can be a useful strategy to finance renovations, invest in additional properties, or cover other expenses.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_refinance_multiple_rental_properties_at_once\"><\/span>7. Can I refinance multiple rental properties at once?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, it is possible to refinance multiple rental properties at once. However, keep in mind that lenders may have different requirements and limits for refinancing multiple properties.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Are_there_government_programs_similar_to_HARP_for_rental_properties\"><\/span>8. Are there government programs similar to HARP for rental properties?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile HARP is specifically for primary residences, there are other government programs like Fannie Mae&#8217;s High LTV Refinance Option (HIRO) that may help investors refinance rental properties with high loan-to-value ratios.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_refinance_a_rental_property_if_it_is_underwater\"><\/span>9. Can I refinance a rental property if it is underwater?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRefinancing a rental property that is underwater (meaning the mortgage balance is higher than the property&#8217;s value) can be challenging. However, some lenders may offer programs to help underwater property owners refinance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_What_documents_do_I_need_to_refinance_a_rental_property\"><\/span>10. What documents do I need to refinance a rental property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo refinance a rental property, you will typically need documents such as tax returns, rental agreements, bank statements, proof of income, and property insurance information. Lenders may have specific requirements, so it&#8217;s essential to consult with them.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_refinance_a_rental_property_if_it_is_currently_vacant\"><\/span>11. Can I refinance a rental property if it is currently vacant?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLenders may be hesitant to refinance a rental property that is currently vacant, as they rely on rental income to assess your ability to repay the loan. You may need to demonstrate a plan to find tenants or show other sources of income.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Is_it_worth_refinancing_a_rental_property_if_I_plan_to_sell_it_soon\"><\/span>12. Is it worth refinancing a rental property if I plan to sell it soon?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you plan to sell a rental property in the near future, it may not be worth refinancing, as the costs of refinancing may outweigh the benefits. Consider consulting with a financial advisor to determine the best course of action based on your specific circumstances. <\/p>\n<p>In conclusion, while HARP may not be an option for refinancing rental properties, there are alternative options available for investors looking to lower their mortgage payments or access equity in their rental properties. It&#8217;s essential to research different programs, speak with lenders, and carefully evaluate your financial situation before deciding on a refinancing strategy for your rental property.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Home Affordable Refinance Program (HARP) was created in 2009 to help struggling homeowners refinance their mortgages. However, some people may wonder if they can use HARP to refinance a rental property. The short answer is no, HARP is specifically designed for primary residences and does not apply to rental properties. While HARP may not &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Can you refi a rental property with HARP?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/can-you-refi-a-rental-property-with-harp\/#more-122461\">Read more<span class=\"screen-reader-text\">Can you refi a rental property with HARP?<\/span><\/a><\/p>\n","protected":false},"author":22,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-122461","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can you refi a rental property with HARP?<\/title>\n<meta name=\"description\" content=\"The Home Affordable Refinance Program (HARP) was created in 2009 to help struggling homeowners refinance their mortgages. 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